Laung Tarm Baunds Mein Nivesh Karein Retail Inavestar Goswami

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Laung Tarm Baunds Mein Nivesh Karein Retail Inavestar Goswami

ICICI proodeinshiyl aset management ke cheef investameint officer (fiksd income) Rahul Goswami ka kehna hai ki retail investors ko is vakt laung tarm baunds mein invest karne ke baare mein sochana chaahiye. Ikanaumik times ke saikat das ko diye interview mein Goswami ne kaha ki unka fund house utaar-chadhaav bhare market mein nichle staron par sarkaari baunds khareed raha hai. Pesh hain baatcheet ke mukhya ansh: Det investameint ke baare mein retail investors ko aap kya salaah deinge? Fandaameintals ko dekhte hue yeh meediym se laung-tarm fiksd income praudakts par vichaar karne ka sabse uchit samay hai. 10 saal ke benchmark bond par yeeld 9 parseint ke kareeb hai. Laung tarm baunds mein invest karne ka yeh behad aakarshak avsar hai. Meediym tu laung tarm gilt fund achhe daanv hain. Do se paanch saal ke machyoriti peeriyd ko meediym tarm maanana chaahiye. Kya aapke paas aisi fund skeems hain? Ham ICICI proodeinshiyl income fund aur ICICI proodeinshiyl laung tarm gilt fands ko mainej karte hain, jinmein aamtaur par 10 saal aur isse jyaada ka machyoriti peeriyd hai. Kya aapko lagta hai ki intarest rets apne shikhar par pahunch chuki hain? Is vakt intarest rets apne peek par hain. Mera maanana hai ki RBI behad satark ravaiya apna raha hai. Jab bhi ismein badlaav aaega, aapko rets ke rujhaan mein tej badlaav dikhega. Isse un investors ko achha return mil sakta hai, jo maujooda levals se agale 12-18 maheenon tak investameint banaae rakheinge. Daron ko maujooda leval par der tak roke naheen rakha ja sakta hai. Agale chaar se chhah kvaurtars mein bond yeelds mein 100 basis pvaaints ka badlaav sambhav hai. Kya kareint aekaaunt defisit se koi khatra hai? Hamaara vishleshan sanket de raha hai ki kareint account defisit ki haalat mein sudhaar aa sakta hai. Financial iyar 2014 ke liye defisit ke leval mein isse pichhle saal ke 88 arab dollar se kareeb 35 arab dollar ki kami ham dekh chuke hain. Mahangaai ki baat karein to CPI infleshan ke 2014-15 mein 7.25 parseint ke aaspaas rahane ki jyaada sambhaavana hai. To kya apne paas cash banaae rakhane mein samajhadaari hai? Cash rakhane ke bajaay meediym tu laung tarm fiksd income praudakts mein invest karna samajhadaari hai. Kareint account defisit, growth, infleshan aur investameint ke maahaul ko dekhte hue hamaara maanana hai ki fiksd income market aisi pojeeshan mein hai ki ismein system ki sabhi nakaaraatmak baaton ka asar shaamil ho chuka hai aur ab aage raah behtar hai. Kya reetel investar paisa laga rahe hain? Pichhli teen timaahiyon ke dauraan market mein tej utaar-chadhaav ke baad hamein meediym tu laung tarm maichyoriti fands mein retail investors ki paryaapt bhaageedaari naheen dikh rahi hai. Agar baajaar jyaada volaitaail hota hai to isse investar hichkate hain. Haalaanki yeh sabse uchit vakt hai kyonki yeelds jyaada hain (keematein kam hain) aur aap apna daanv badha sakte hain.

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